Details of pros

Approval Odds/Quick Approval

If you have a good to excellent credit score (meaning 580 or higher), you will likely be approved for this card. Because conditional credit approval is automated on the website, you may get a decision on your application within 60 seconds!

In addition, you may also be able to bypass a hard credit inquiry and be pre-approved via the shopping cart trick noted above.

Up to 48 Months Free Financing

If you make a large purchase from Wayfair and you are able to pay off your entire balance within the timeframe noted on your promotional offer, you can take advantage of free 0% financing!

Initial Discount Offers

The Wayfair card gives you $40 back in rewards on your first Wayfair order of $250 and above without financing. That’s not the biggest first-purchase bonus available from a store credit card, but it’s definitely not terrible, either.

Free Shipping

If you have this card, your order will automatically include free delivery on all eligible purchases. The card’s terms list flooring, large fixtures, and “non-standard items” as exclusions. Free shipping doesn’t apply to returns.

Bottom Line:

Free delivery is already available to all Wayfair customers on purchases over $35, so this benefit may not be significant.

No Annual Fee

Wayfair can be a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don’t have to pay an annual fee for the privilege.

Details of cons

Can Only Use at Wayfair Family Brands

This one is pretty self-explanatory, but you can only use this card at Wayfair, Joss & Main, AllModern, Birch Lane, and Perigold. This means you can’t use it at any other retailer (and don’t even receive a physical card)!

Deferred Interest Financing

The Wayfair card offers an introductory rate of 0% on new purchases for 6 to 48 months, depending on the cost of what you buy. But because of the card’s deferred interest, if you miss a monthly payment or don’t pay off your balance in full, the high APR will retroactively apply to your entire original purchase amount.

Limited Rewards

If you don’t take advantage of the promotional financing, you can elect to receive 3% cash-back in Rewards Dollars for all eligible purchases from Wayfair, Joss & Main, AllModern, Birch Lane, and Perigold. This is decent, but many other rewards cards offer incentives for all of your day-to-day purchases.


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Wayfair Store Card Review

Sams Credit Card

The Sam’s Club Credit Card, issued by Synchrony Bank, is a basic store credit card for Sam’s Club members with a less-than-stellar credit profile. The Sam’s Club Credit Card can only be used at Sam’s Club and Walmart stores and doesn’t offer any rewards on purchases, so it’s mainly for borrowers who aren’t likely to qualify for a better credit card that can be used more broadly. If your credit is just fair (if you have a FICO score of 580 to 669) and you shop at Sam’s Club and Walmart frequently, this card can be a worthwhile financing tool, albeit with a steep interest rate.

Big Lots Credit Card

The Big Lots Credit Card is a good choice for frequent Big Lots shoppers who want the flexibility to pay for their purchases over time. If you can handle the deferred-interest financing deals properly, you can save a lot of money and gain the flexibility around paying your credit card bill. Most people, however, will be better off with a cash-back card that works anywhere and earns rewards of some kind. Try the CardCruncher tool to find the right card for you.

Surge Mastercard Credit Card

The Surge Mastercard® is one of the easiest credit cards to get if you have bad credit, but the card's annual and monthly fees may reduce its appeal. If you're considering the Surge Mastercard® to build credit, here's what you need to know before you submit your application.

Menards BIG Credit Card

Menards has been one of the leading stores for home improvements for over five decades now. Many people rely on this store for their home improvement needs where they spend thousands of dollars. The Menards Big Card is designed to help all the Menards loyalists to get more rewards from making their purchases in the store and a few other selected gas stations. The card offers different types of rewards from cash back to in-store financing making it a very valuable tool especially if you tend to do a lot of home improvement.

Stein Mart Credit Card

The Stein Mart Platinum Mastercard® offers additional savings on items that fly off the rack at the discount retailer's store.The card, issued by Synchrony Bank, earns rewards at the retailer online and in-store and everywhere that Mastercard is accepted. It also offers perks such as exclusive savings events, birthday surprises and the chance to earn even more rewards with Elite status. The card's annual fee is $0.

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Related Credit Card/Article

Wayfair Store Card
Though it offers a decent rewards rate, the Wayfair Mastercard carries a sky-high APR and no noteworthy perks or discounts, and is best avoided for all but the most frequent Wayfair shoppers.
Wayfair Store Card

How to Apply For Wayfair Store Card
Applying for the Wayfair card is simple; just head over to the Wayfair website. Fill out a bit of personal information and you can see if you qualify in as little as 60 seconds.You can also try the “shopping cart trick.” This means that a credit card offer from Comenity Bank may pop up with an i

How to Get the Most Out of Wayfair Store Card
Purchase frequently wih a discountShipping for free

the Rewards of Wayfair Store Card
RewardsYou can choose one for each purchase:3% back in rewards ORSpecial financing on purchases over $60Introductoy Bonus15% back in rewards on your first order

Wayfair Store Card Payment
OnlineTo access your account, you can log on to your account online.From web, you can access your monthly bills, enroll to receive paperless statements, and make payments via bank transfer or electronic payment. You can make online payments 24 hours a day, 7 days a week.Unfortunately, you cannot mak